Electronic Fund Transfer for Mobile Gaming

ABSTRACT

In one embodiment, a system and method to transfer money may include a mobile device associated with a player, a location server designed to: track a device position of the mobile device and track a vessel position, and a mobile gaming management server designed to: receive a fund transfer request from a gaming server for the mobile device, the fund transfer request including a fund amount; determine if the fund amount can be transferred to the mobile device based on the device position and the vessel position; and transfer the fund amount to the mobile device if it is determined that the fund amount can be transferred to the mobile device.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a divisional of U.S. patent application Ser. No. 13/632,743, filed Oct. 1, 2012, and entitled “ELECTRONIC FUND TRANSFER FOR MOBILE GAMING,” which is hereby incorporated herein by reference, and which in turn claims priority benefit of U.S. Provisional Application No. 61/542,703, filed Oct. 3, 2011, and entitled “ELECTRONIC FUND TRANSFER,” which is hereby incorporated herein by reference.

FIELD OF THE INVENTION

The present disclosure relates generally to electronic fund transfer. More particularly, the present disclosure relates generally to the electronic fund transfer to a mobile device based upon location or position information of the mobile device.

BACKGROUND OF THE INVENTION

In a gaming environment, funds used to play a game of chance may be obtained from an operator by giving the operator a check. The amount may be credited to the player's account for use to play the games of chance. The player's domicile is sometimes checked and playing the games of chance may sometimes be denied.

The player can cash out from the device and receive either cash or a printed ticket to be presented to the operator. However, when playing games of chance on a mobile device, it is inefficient or not possible for the player to cash out by receiving cash or a printed ticket to be presented to the operator. Thus, electronic transfer of funds may be more efficient for users playing games of chance on a mobile device.

Overview

The invention provides for the electronic transfer of funds to or from a mobile device. The electronic transfer of funds may be used to purchase any desired products or services such as clothes, games of chance, e-books, food, movies, and the like. In one embodiment, the electronic transfer of funds may be used to play of a game of chance on the mobile device. A determination of whether to transfer the funds to the mobile device to play the game of chance may be based upon different criteria. For example, determination of whether to transfer the funds to the mobile device may be based on at least a global and local device position of the mobile device. In another example, the electronic transfer of funds to the mobile device may be based upon other predefined rules such as a time rule, captain's rule, user defined rules, and other criteria.

In one embodiment, a system for transferring money comprises a plurality of mobile devices, each of the plurality of mobile devices associated with a player and a location server operable to: track a device position of each of the plurality of mobile devices, the device position being relative to the vessel and track a vessel position, the vessel position being a global location relative to earth. The system may also have a mobile gaming management server configured to communicate with the location server and a gaming server, the mobile gaming management server operable to: receive a fund transfer request from the gaming server, the fund transfer request associated with at least one requesting mobile device, the fund transfer request including a fund amount used to play a game of chance; determine if the fund amount can be transferred to the associated mobile device based on the device position and the vessel position; and transfer the fund amount to the associated mobile device if it is determined that the fund amount can be transferred to the associated mobile device.

In another embodiment, a method for transferring funds on a vessel can include receiving a request to play a game of chance from at least one of the plurality of mobile devices, the request including a fund amount used to play the game of chance; determining whether the fund amount may be transferred to the mobile device based on at least a vessel position of the vessel and a device position of the mobile device; and transferring the fund amount to the mobile device if it is determined that the fund amount be transferred to the mobile device based on at least a vessel position of the vessel and a device position of the mobile device.

In another embodiment, a mobile gaming management device configured to transfer funds for passengers on a vessel may include at least one memory configured to store at least one passenger gaming account; and a processor configured to: (a) track gaming funds for use by at least one user of a mobile device; (b) receive a fund request including a fund amount; (c) obtain the fund amount, the fund amount used to play an on-board game of chance on the mobile device; (d) transfer the fund amount to the mobile device; (e) separately manage usage of the fund amount in a passenger gaming account, the passenger gaming account associated with the user playing the on-board game of chance; (f) accumulate any gaming wins from the on-board game of chance in the passenger gaming account; and (g) close the gaming account for the passenger at the conclusion of the vessel route.

The present invention provides other hardware configured to perform the methods of the invention, as well as software stored in a machine-readable medium (e.g., a tangible storage medium) to control devices to perform these methods. These and other features will be presented in more detail in the following detailed description of the invention and the associated figures.

BRIEF DESCRIPTION OF THE DRAWINGS

The accompanying drawings, which are incorporated into and constitute a part of this specification, illustrate one or more example embodiments and, together with the description of example embodiments, serve to explain the principles and implementations.

In the drawings:

FIG. 1 is an example block diagram of an electronic fund transfer system.

FIG. 2A illustrates an example diagram of a vessel position of a cruise ship.

FIG. 2B illustrates an example layout of a cruise ship

FIG. 2C illustrates an example rules table.

FIG. 3 illustrates an example method for the electronic transfer of funds to a mobile device.

FIG. 4 illustrates another example method for the electronic transfer of funds to a mobile device.

FIG. 5 illustrates another example method for the electronic transfer of funds to a mobile device.

FIG. 6 illustrates an example block diagram of a computing device.

DESCRIPTION OF EXAMPLE EMBODIMENTS

Embodiments are described herein in the context of an electronic fund transfer for mobile gaming. The following detailed description is illustrative only and is not intended to be in any way limiting. Other embodiments will readily suggest themselves to such skilled persons having the benefit of this disclosure. Reference will now be made in detail to implementations as illustrated in the accompanying drawings. The same reference indicators will be used throughout the drawings and the following detailed description to refer to the same or like parts.

In the interest of clarity, not all of the routine features of the implementations described herein are shown and described. It will, of course, be appreciated that in the development of any such actual implementation, numerous implementation-specific decisions must be made in order to achieve the developer's specific goals, such as compliance with application- and business-related constraints, and that these specific goals will vary from one implementation to another and from one developer to another. Moreover, it will be appreciated that such a development effort might be complex and time-consuming, but would nevertheless be a routine undertaking of engineering for those of ordinary skill in the art having the benefit of this disclosure.

The invention provides for the electronic transfer of funds to or from a mobile device. The electronic transfer of funds may be used to purchase any desired products or services such as clothes, games of chance, e-books, food, movies, and the like. In one embodiment, the electronic transfer of funds may be used to play restricted entertainment activities such as playing a game of chance or sports betting on the mobile device. A determination of whether to transfer the funds to the mobile device to play the restricted entertainment activities may be based upon different criteria. For example, determination of whether to transfer the funds to the mobile device may be based on at least a global and local device position or location of the mobile device. In another example, the electronic transfer of funds to the mobile device may be based upon other predefined rules such as a time rule, captain's rule (e.g. any user desired defined rules), and other criteria. For example, if the mobile device is on a vessel (e.g., riverboats, cars, boats, cruise ships, planes, buses, or any moveable transport device), the determination of whether to transfer funds to the mobile device may be based upon at least where the device is relative to the vessel and whether the vessel is in international or national waters. In another example, if the mobile device is on an airplane, the determination of whether to transfer funds to the mobile device may be based upon at least whether the airplane is in international airspace.

In another embodiment, the electronic transfer of funds may be used to view an X-rated movie on the mobile device. A determination of whether to transfer the funds to the mobile device to play the game of chance may be based upon different criteria. For example, determination of whether to transfer the funds to the mobile device may be based on at least the device position of the mobile device. In another example, the electronic transfer of funds to the mobile device may be based upon other predefined rules such as a time rule, establishment rules, user defined rules, and other criteria. For example, if the mobile device is on a cruise ship, the determination of whether to transfer funds to the mobile device may be based upon whether the mobile device is located at an appropriate position or location to view the X-rated movie, such as in a night club and not at a child care facility or restaurant buffet line. The determination may also be based upon whether a vessel position of the vessel is in international or national waters.

FIG. 1 is an example block diagram of an electronic fund transfer system. The electronic funds transfer system 100 may have a mobile device management server 102 configured to communicate with a location server 104, an entertainment server 106, and an establishment server 108. The mobile device management server 102 may be designed as an intermediary server to store data or information such as mobile device information, rules database, user accounts, and any other desired data or information. The mobile device information may be stored in the mobile device database 110 and may include information such as the mobile device identification, information of the user using the mobile device 116, programs on the mobile device 116, and other mobile device data. The mobile device 116 may be any type of portable mobile device such as a mobile phone, a portable media player, a personal digital assistant, a portable gaming device, or any other similar device.

The user of the mobile device 116 may also have a user account stored in the user account database 112. The user account may be any information such as user contact information, available funds in the user account, and any other user information. In one embodiment, any wins from a game of chance played by the user of the mobile device 116 may be stored in the user account.

Rules may be stored in the rules database 114. The rules may be any criteria used to determine whether to permit or deny a fund transfer request made by the mobile device. For example, if the fund transfer request is to play a game of chance on the mobile device, the determination of whether to transfer the funds to the mobile device may be based on at least the device position of the mobile device and the location of the establishment. If the mobile device is, for example, located near the childcare center and the establishment, such as a cruise ship, is in international waters, the transfer fund request may be denied. However, if the user is sitting at a bar and the establishment, such as a cruise ship, is in international waters, the transfer fund request may be granted. In another example, the fund transfer request may also be based upon a time rule that may be predetermined by the establishment. For example, the establishment may set games of chance to be played between 7 a.m. to 2 a.m. Thus, if the transfer fund request is made at 3 a.m., the transfer of fund to play the game of chance may be denied. If the transfer fund request is made at 12 p.m., the transfer of fund to play the game of chance may be permitted.

The mobile device management server 102 may be configured to communicate with an entertainment server 106, which may be configured to communicate with the mobile device 116. The mobile device 116 may purchase any type of services or products from entertainment server 106 such as clothes, play a game of chance, watch television shows or movies, listen to music, read e-books, play video games, or any other desired services or products.

The location server 104 may be configured to determine the location of the mobile device 116 and the establishment. The location server 104 may have a global position server 118 to determine the location of the establishment. In one embodiment, establishment may be a mobile establishment such as a cruise ship, airplane, bus, and the like. In another embodiment, establishment may be a non-mobile establishment such as a grocery store, casino, riverboat, and the like. Global position server 118 may use any known position or location method to determine the location of the establishment such as cellular positioning, triangulation, global positioning systems, or any other location or positioning determining method.

The location server 104 may also have a device position server 120 designed or configured to determine the position or location of the mobile device 116 relative to the establishment. In one example, if the establishment is a cruise ship, the device position of the mobile device 116 is the position of the mobile device 116 relative to the cruise ship. The device position server 120 may use any known position or location method to determine the location of the mobile device 116 such as cellular positioning, triangulation, global positioning systems, or any other location or positioning determining method.

The location server 104 may have a location database 113 to store the global position of the establishment and the device position of the mobile device. The global position and device position may be associated with a mobile device.

Mobile device management server 102 may also be configured to communicate with an establishment server 108. Establishment server 108 may be configured to store customer information in the customer main account database 122. The establishment server 108 may store information such as customer credit card information, address, username and password, date of birth, and any other desired information.

EXAMPLE

The example described below is for illustrative purposes only and is not intended to be limiting Although example embodiments illustrate the vessel as a cruise ship, this is not intended to be limiting as the vessel may be an airplane, bus, car, train, riverboat, or any other movable transport device. In another example, the service requested is to play a game of chance, however, any other type of services or products, such as to watch a movie, listen to music, and the like may be requested.

When boarding a cruise ship, the passenger's information may be stored in the customer main account 122 in the establishment server 108. The passenger's information may include financial information such as credit card information, address, birth date, family members, room number, room key number, username and password, and any other passenger information.

The passenger may be associated with a mobile device 116 to obtain services or products. In one embodiment, the mobile device 116 may be provided to the passenger. In another embodiment, the passenger may utilize his own mobile device 116. The passenger may request a transfer of funds to play a game of chance using the mobile device 116. The request may include a fund amount of $200.00 and the request to play Wheel of Fortune®. The passenger may also be authenticated and/or verified by including the passenger's username and password with the request. However, any other authentication and/or verification method may be used to authenticate and/or verify the user of the mobile device such as biometric verification (i.e. voice recognition, retinal scan, fingerprint verification, and the like).

The request to transfer funds may be transmitted from the mobile device 116 to the entertainment server 106. The entertainment server 106 may transmit the request to the mobile device management server 102. The mobile device management server 102 may determine whether the passenger has a user account 112. If the passenger does not have a user account 112, a user account 112 may be created for the passenger.

The mobile device management server 102 may obtain location information from the location server 104. The global position server 118 may determine a global ship position of the vessel relative to the world or earth. Referring to FIG. 2A, an example diagram of a ship location of a cruise ship, the global position server may use any location or position determination methods to determine the location of the cruise ship 202. The cruise ship 202 may be positioned or located in international waters 206 or national waters 204. Thus, the ship location may be a global location relative to the world or earth 200. As illustrated, the cruise ship 202 is located in international waters 206.

Referring back to FIG. 1, the device position server 120 of the location server 104 may determine a device position of the mobile device 116 relative to the cruise ship. Referring to FIG. 2B, an example layout of a cruise ship, the cruise ship 210 may have a main pool 212, pool bar 214, children's pool 216, restaurant 218, night club/bar 220, kids club or childcare center 222, reception 224, and gift store 226 on its main deck. Specific gaming areas may be predetermined on the cruise ship 210. For example, games of chance may be played at the main pool 212, pool bar 214, and night club/bar 220 on the main deck. Games of chance may not be permitted to be played at the children's pool 216, restaurant 218, kids club or childcare center 222, reception 224, and gift store 226. In one example, passenger A 228 may want to play a game of chance while lounging at the main pool 212. The location server may determine that the device position of the mobile device is at or around the main pool area 212. In another embodiment, passenger B 230 may want to play a game of chance while at the kids club or childcare center 222. The location server 104 may determine that the device position of the mobile device is at or around the childcare center 222.

Referring back to FIG. 1, once the vessel position and device position are determined, the information may be associated with the mobile device and stored in the location database 113. The mobile device management server 102 may request and obtain location information for each mobile device from the location server 104. Once obtained, the mobile device management server 102 may determine whether the fund amount may be transferred to the mobile device. The determination may be based upon the rules stored in the rules database 114. For example, since passenger A is located at the main pool area where playing games of chance are permitted, the mobile device management server 102 may determine that the fund amount may be transferred to the mobile device 116 of passenger A.

However, since passenger B is located at the childcare center where playing games of chance are not permitted, the transfer of funds will be denied. In this embodiment, a denial message may be transmitted to the mobile device of passenger B. The denial message may also include at least one reason for the denial of the transfer fund request. For example, the denial message may display that games are chance are not permitted to be played in the childcare center.

Since passenger A is permitted to play the game of chance, the mobile device management server 102 may then determine whether there is enough funds in the user account 112. If there is not enough funds in the user account 112, the mobile device management server 102 may obtain passenger information, such as financial information, from the passenger main account 122 stored in the establishment server 108. For example, the mobile device management server 102 may obtain the passenger's credit card information in order to transfer the fund amount of $200.00 requested by the passenger. The $200.00 may then be transferred to the mobile device 116 via the entertainment server 106. The entertainment server 106 may also enable play of the game of chance on the mobile device 116 subsequent to the transfer of funds to the mobile device 116.

Prior to the transfer of the fund amount, the mobile device management server 102 may also user other criteria to determine whether to transfer the fund amount. For example, one criterion may be a time rule. A time stamp on the request for transfer of funds may be used to determine whether the game of chance may be played on the mobile device. If the time stamp was at 3 a.m., the game of chance may not be permitted to be played and the transfer of funds may be denied. If the time stamp was at 10 a.m., the game of chance may be permitted to be played and the transfer of funds may be approved. The time rule may also be updated based on different time zones.

In another example, one criterion may be the age of the passenger. If the user information obtained from the customer main account 122 indicates that the passenger is only 18 years old, based upon certain gaming rules, the game of chance may not be permitted to be played and the transfer of funds may be denied. It will now be appreciated that the mobile device management server 102 may use any other desired criteria to determine whether or not to transfer the fund amount to the mobile device 116.

FIG. 2C illustrates an example rules table. The rules table may be stored, for example, in the rules database 114 illustrated in FIG. 1. The rules table 240 may include criteria used to determine whether to transfer the fund amount 252 to the mobile device. Each criterion may be associated with a device 242. As illustrated, the criteria may be based on device position or location 244, vessel position or location 246, time 248, and product or service requested 250.

Device 1 254 may be located at the main pool in international waters. A request to transfer funds to play a game of chance may be received at 11 a.m. Based on the device position, vessel position, and time rule, the mobile device management server 102 may determine that the fund amount may be transferred to the mobile device to play the game of chance.

Device 2 256 may be located at the childcare center in international waters. A request to transfer funds to play a game of chance may be received at 3 p.m. Based on the device position, vessel position, and time rule, the mobile device management server 102 may determine that the fund amount may not be transferred to the mobile device to play the game of chance.

Device 3 258 may be located at the night club in international waters. A request to transfer funds to watch an X-rated movie may be received at 11 p.m. Based on the device position, vessel position, and time rule, the mobile device management server 102 may determine that the fund amount may be transferred to the mobile device to watch the X-rated movie.

FIG. 3 illustrates an example method for the electronic transfer of funds to a mobile device. Although example embodiments illustrate the vessel as a cruise ship, this is not intended to be limiting as the vessel may be used such an airplane, bus, car, train, riverboat, or any other movable transport device. The method 300 may begin with receipt of a request to play a game of chance from a mobile device at 302. The request may include a fund amount and transferred to an entertainment server, e.g. such as entertainment server 106 illustrated in FIG. 1. The entertainment server may transmit the request to an intermediary server, e.g. such as mobile device management server 102 illustrated in FIG. 1. The intermediary server may determine whether the passenger has a user account at 304. If the passenger does not have a user account, a user account may be created for the passenger 306.

The intermediary server may obtain a vessel position of the cruise ship and device position of the mobile device at 308. The vessel position and device position may be obtained from a location server, e.g. such as location server 104 illustrated in FIG. 1. The vessel position of the vessel may be a position relative to the world or earth. The device position of the mobile device may be a position relative to the vessel.

Once obtained, the intermediary server may determine whether the fund amount may be transferred to the mobile device at 310. The determination may be based upon the rules stored in a rules database, e.g. such as rules database 114 illustrated in FIG. 1. In one embodiment, the determination whether to transfer the fund amount may be based on at least the device position and the vessel position. In another embodiment, the determination whether to transfer the fund amount may be based on at least time rules, user information, available funds, establishment rules, or any other predetermined criteria. If the intermediary server determines that the transfer of the fund amount is not permitted at 310, the method 300 may end.

If the intermediary server determines that the transfer of the fund amount is permitted at 310, a determination of whether the game of chance is permitted to be played on the mobile device is made at 312. In one embodiment, the determination whether the game of chance is permitted to be played on the mobile device may be based on at least the device position and the vessel position. In another embodiment, the determination of whether the game of chance is permitted to be played on the mobile device may be based on at least time rules, user information, establishment rules, or any other predetermined criteria. If the intermediary server determines that the game of chance is not permitted to be played on the mobile device, the method 300 may end. If the intermediary server determines that the game of chance is permitted to be played on the mobile device, the fund amount may be transferred to the mobile device and the game of chance may be enabled on the mobile device at 314.

FIG. 4 illustrates another example method for the electronic transfer of funds to a mobile device. The method 400 may begin with the vessel position and device position being periodically updated at 402. The vessel position and device position may be periodically updated by a location server, e.g. such as location server 104 illustrated in FIG. 1. Updating the vessel position and device position ensures that the restricted entertainment activities, playing the game of chance, are carried out only in allowable areas, environments and times. The intermediary server may determine whether the game of chance may be permitted to be played on the mobile device at 404. In one embodiment, the determination of whether the game of chance may be permitted to be played on the mobile device may be based upon the updated vessel position and updated device position. For example, although the original device position may have been in an area where playing games of chance is permitted, the updated device position may now indicate the mobile device is located at a location where playing games of chance is not permitted. In one embodiment, the determination of whether the game of chance may be permitted to be played on the mobile device may also be based upon an updated time as well. For example, although the time may have been a time when playing games of chance is permitted (e.g., 7 am-3 am), the updated time may now indicate the mobile gaming device is being played at a time when playing games of chance is not permitted (e.g. 3 am-7 am).

If it is determined that the game of chance of is permitted to be played at 404, the method may continue at 402. If it is determined that the game of chance is not permitted to be played at 404, a termination notification may be transmitted to the mobile device at 406. In one embodiment, the termination notification may include at least one reason for termination of the game of chance. For example, the reason for termination may be based on the vessel position. The vessel may be entering into national waters from international waters. In another example, the reason for termination may be because the mobile device entered an unauthorized location where playing games of chance are not permitted. In still another example, the reason for termination may be because the time restriction to end play of the game of chance is imminent.

A determination may be made as to whether there are any gaming wins at 408. If the user has any wins and/or credits from playing the game of chance, the wins and/or credits may be stored in the user account in the intermediary server. Since wins and/or credits may not be transmitted back to a user's credit card or “reverse deposited”, the wins and/or credits may be stored in the user account in the intermediary server. The passenger may reconcile and close out the user account in the intermediary server when the passenger's trip ends.

If there are no gaming wins at 408 or after transfer of the gaming wins to the user account in the intermediary server at 410, the game of chance may be terminated on the mobile device at 412.

FIG. 5 illustrates another example method for the electronic transfer of funds to a mobile device. The method 500 may begin with receipt of a request to play a game of chance from a mobile device at 502. The request may include a fund amount and time stamp. The request may be transferred to an entertainment server, e.g. such as entertainment server 106 illustrated in FIG. 1. The entertainment server may transmit the request to an intermediary server, e.g. such as mobile device management server 102 illustrated in FIG. 1.

The intermediary server may obtain a vessel position of the vessel and device position of the mobile device at 504. The vessel position and device position may be obtained from, for example, a location server e.g. such as location server 104 illustrated in FIG. 1. The vessel position of the vessel may be a position relative to the world or earth. The device position of the mobile device may be a position relative to the vessel.

Once obtained, the intermediary server may determine whether the game of chance may be played on the mobile device based upon the vessel position at 506. If it is determined that the game of chance may not be played on the mobile device based upon the vessel position at 506, the method 500 may end. If it is determined that the game of chance may be played on the mobile device based upon the vessel position at 506, a determination of whether the game of chance may be played on the mobile device based upon the device position at 508.

If it is determined that the game of chance may not be played on the mobile device based upon the device position at 508, the method 500 may end. If it is determined that the game of chance may be played on the mobile device based upon the device position at 508, a determination of whether the game of chance may be played on the mobile device based upon the time stamp at 510. If it is determined that the game of chance may not be played on the mobile device based upon the time stamp at 510, the method 500 may end. If it is determined that the game of chance may be played on the mobile device based upon the time stamp at 510, passenger information from the customer main account, including available funds to play on-board games of chance, may be obtained at 512. The determination of whether the game of chance may be played on the mobile device based upon the vessel position, device position, time stamp, or passenger information may be similar to the determination described above with respect to FIGS. 1, 2A, 2B, 3 and 4.

The passenger information obtained from the user account may be any information necessary to transfer funds to the mobile device. For example, the passenger information may include financial information such as credit card information, passenger address and phone number, passenger date of birth, and any other information necessary in the transfer of funds to the mobile device.

A determination of whether the passenger has available funds may be made at 514. In one embodiment, the passenger information may also include any information related to playing games of chance. For example, the passenger may have a daily fund amount or limit to play games of chance, such as restricting game play to only $200.00 per day. In another example, the passenger may have a total limit of $500.00 used to play games of chance for the entire trip. If it is determined that the passenger does not have available funds at 514, the method 500 may end. If it is determined that the passenger does have available funds at 514, a determination of whether the game of chance may be played on the mobile device based on passenger information may be made at 516. For example, if the passenger information includes the date of birth indicating that the passenger is 18 years old, based upon certain gaming rules, the intermediary server may determine that the game of chance may not be permitted to be played on the mobile device.

If it is determined that the game of chance may be played on the mobile device based on passenger information at 516, the fund amount may be transferred to the mobile device and the game of chance may be enabled on the mobile device at 518.

FIG. 6 illustrates an example block diagram of a computing device 600. The computing device 600 can represent circuitry of a representative computing device (e.g. mobile device, mobile device management sever, location server, establishment server, entertainment server) described and illustrated in FIG. 1. The computing device can be designed to primarily stationary or can be portable.

The computing device 600 includes a processor 602 that pertains to a microprocessor or controller for controlling the overall operation of the computing device 600. The computing device 600 stores data pertaining to passengers, products and services, location, and the like in a file system 604 and a cache 606. The file system 604 is, typically, semiconductor memory (e.g., Flash memory) and/or one or more storage disks. The file system 604 typically provides high capacity storage capability for the computing device 600. However, since the access time to the file system 604 can be relatively slow, the computing device 600 can also include the cache 606. The cache 606 is, for example, Random-Access Memory (RAM). The relative access time to the cache 606 is typically shorter than for the file system 604. However, the cache 606 does not have the large storage capacity of the file system 604. The computing device 600 also includes a RAM 620 and a Read-Only Memory (ROM) 622. The ROM 622 can store programs, utilities or processes to be executed in a non-volatile manner. The RAM 620 provides volatile data storage, such as for the cache 606.

The computing device 600 may also include a user input device 608 that allows a user of the computing device 600 to interact with the computing device 600. For example, the user input device 608 can take a variety of forms, such as a button, keypad, dial, touch-sensitive surface, joystick, and the like. Still further, the computing device 600 includes a display 610 (screen display) that can be controlled by the processor 602 to display information to the user. A data bus 611 can facilitate data transfer between at least the file system 604, the cache 606, the processor 602, an audio coder/decoder (CODEC) 612 and/or a video CODEC 615.

In one embodiment, for example, if the computing device 600 (e.g. mobile device 116, establishment server 108, mobile device management server 102, location server 104, entertainment server 106 illustrated in FIG. 1) is a mobile gaming device, the computing device 600 may store a plurality of games of chance in the file system 604. When a user desires to have the computing device play a particular game of chance, a list of available games of chance is displayed on the display 610. Then, using the user input device 608, a user can select one of the games of chance to play. The processor 602, upon receiving a selection of a particular media item, supplies the game of chance data to one or more appropriate output devices. If the particular media item is encrypted, the particular media item is first decrypted as noted above, which could involve one or more layers of encryption. As an example, for audio output, the processor 602 can supply the media data (e.g., audio file) for the particular media item to the audio CODEC 612. The audio CODEC 612 can then produce analog output signals for a speaker 614. The speaker 614 can be a speaker internal to the computing device 600 or external to the computing device 600. For example, headphones or earphones that connect to the computing device 600 would be considered an external speaker. As another example, for video output, the processor 602 can supply the media data (e.g., video file) for the particular media item to the video CODEC 615. The video CODEC 615 can then produce output signals for the display 610 and/or the speaker 614.

The computing device 600 also includes a network/bus interface 616 that couples to a data link 618. The data link 618 allows the computing device 600 to couple to another device (e.g., a host computer, a power source, or an accessory device). The data link 618 can be provided over a wired connection or a wireless connection. In the case of a wireless connection, the network/bus interface 616 can include a wireless transceiver.

The various aspects, features, embodiments or implementations of the invention described above can be used alone or in various combinations. Embodiments of the invention can, for example, be implemented by software, hardware, or a combination of hardware and software. Embodiments of the invention can also be embodied as computer readable code on a computer readable medium. The computer readable medium is any data storage device that can store data, which can thereafter be read by a computer system. Examples of the computer readable medium generally include read-only memory and random-access memory. More specific examples of computer readable medium are tangible and include Flash memory, EEPROM memory, memory card, CD-ROM, DVD, hard drive, magnetic tape, and optical data storage device. The computer readable medium can also be distributed over network-coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

Numerous specific details are set forth in order to provide a thorough understanding of the present invention. However, it will become obvious to those skilled in the art that the invention may be practiced without these specific details. The description and representation herein are the common meanings used by those experienced or skilled in the art to most effectively convey the substance of their work to others skilled in the art. In other instances, well-known methods, procedures, components, and circuitry have not been described in detail to avoid unnecessarily obscuring aspects of the present invention.

In the foregoing description, reference to “one embodiment”, “an embodiment”, “one example” means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the invention. The appearances of the phrase “in one embodiment” in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. Further, the order of blocks in process flowcharts or diagrams representing one or more embodiments of the invention do not inherently indicate any particular order nor imply any limitations in the invention. 

What is claimed is:
 1. A mobile gaming management device configured to transfer funds for passengers on a vessel, the mobile gaming management device comprising: at least one memory configured to store at least one passenger gaming account; and a processor configured to: track gaming funds for use by at least one user of a mobile device; receive a fund request including a fund amount; obtain the fund amount, the fund amount used to play an on-board game of chance on the mobile device; transfer the fund amount to the mobile device; separately manage usage of the fund amount in a passenger gaming account, the passenger gaming account associated with the user playing the on-board game of chance; accumulate any gaming wins from the on-board game of chance in the passenger gaming account; and close the gaming account for the passenger at the conclusion of a vessel route for the vessel.
 2. The mobile gaming management device of claim 1, wherein the processor is further configured to: receive a vessel position and a device position from a location server; and determine whether to transfer the amount of funds to the mobile device based upon the vessel position and device position, wherein the device position is a position of the mobile device relative to the vessel, and wherein the vessel position is a global position of the vessel.
 3. The mobile gaming management device of claim 1, wherein the processor is configured to communicate with a vessel management device, the vessel management device having a main account including credit or debit account information for the at least one user of the mobile device from which the funds can be obtained.
 4. The mobile gaming management device of claim 1, wherein the processor is further configured to: determine when the on-board game of chance is completed; determine whether there are any gaming wins from playing the on-board game of chance.
 5. A mobile gaming management apparatus configured to provide funds for patrons of bet-based gaming, the mobile gaming management apparatus comprising: at least one memory configured to store at least one patron gaming account; and a processor configured to: track gaming funds for use by at least one patron of a mobile device; receive a fund request including a fund amount; obtain the fund amount, the fund amount used to play a bet-based game on the mobile device; rendering the fund amount available for use by the at least one patron on the mobile device; manage usage of the fund amount in the patron gaming account, the patron gaming account associated with the at least one patron playing the bet-based game; accumulate any gaming wins from the bet-based game in the patron gaming account.
 6. The mobile gaming management device of claim 5, wherein the mobile gaming management apparatus is provided for a vessel, and wherein the at least one patron is a passenger of the vessel.
 7. The mobile gaming management device of claim 6, wherein the vessel travels to a destination, and wherein the processor is further configured to close the gaming account for the patron at the conclusion when the vessel is at the destination.
 8. The mobile gaming management device of claim 5, wherein the bet-based game is a game of chance.
 9. The mobile gaming management device of claim 5, wherein the bet-based game is a sports bet. 